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Holiday Home Insurance

Holiday Home Insurance

Tailor your holiday home insurance cover to suit your lifestyle
Offers peace of mind to enjoy the leisure time you have earned
24/7 holiday home insurance emergency claims service

Cover in more than 20 countries
Over 20 years of holiday home expertise
24hr emergency claims helpline
Cover for unoccupied properties included

Protect Your Property In The UK And Abroad With Holiday Home Insurance

Do you own or are you considering buying a holiday home or an additional property for frequent visits? With holiday home insurance your property can benefit from added protection against damage, theft, and other risks.

Whether it’s for weekends away with the family or a base for friends to stop by, second homes open up opportunities, and we understand the appeal. However, you may also want to consider putting appropriate safeguards in place for your property.

At Intasure, we offer holiday home insurance in the UK and across more than 20 countries and territories throughout the EU and beyond. Speak to us about securing cover for a variety of property types – from luxury villas to apartments, barns, and chalets.

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Our Specialist Products

Holiday Let Insurance
Holiday Let Insurance

Protection for your holiday home when it’s let to paying guests.

Holiday Let Insurance
Holiday Chalet Insurance
Holiday Chalet Insurance

Here at Intasure, our aim is to provide you with chalet insurance that suits your needs.

Chalet Insurance
Holiday Cottage Insurance
Holiday Cottage Insurance

Our holiday cottage insurance can help to provide financial protection for holiday homes.

Cottage Insurance
Log Cabin Insurance
Log Cabin Insurance

We can provide cover for log cabins that are occupied or unoccupied.

Log Cabin Insurance
Overseas Holiday Home Insurance
Overseas Holiday Home Insurance

At Intasure, we have 20 years of experience providing cover to holiday homeowners as holiday home insurance specialists.

Overseas Property Insurance
Insurance for Airbnb lets
Insurance for Airbnb lets

Buildings and contents insurance suitable for holiday homes let via Airbnb.

Airbnb Insurance
Caravan Insurance
Caravan Insurance

Our cover is available for static caravans in the UK and overseas.

Static Caravan Insurance

Holiday Let Insurance

Protection for your holiday home when it’s let to paying guests.

Holiday Let Insurance

Holiday Chalet Insurance

Here at Intasure, our aim is to provide you with chalet insurance that suits your needs.

Chalet Insurance

Holiday Cottage Insurance

Our holiday cottage insurance can help to provide financial protection for holiday homes.

Cottage Insurance

Log Cabin Insurance

We can provide cover for log cabins that are occupied or unoccupied.

Log Cabin Insurance

Overseas Holiday Home Insurance

At Intasure, we have 20 years of experience providing cover to holiday homeowners as holiday home insurance specialists.

Overseas Property Insurance

Insurance for Airbnb lets

Buildings and contents insurance suitable for holiday homes let via Airbnb.

Airbnb Insurance

Caravan Insurance

Our cover is available for static caravans in the UK and overseas.

Static Caravan Insurance

What Is Holiday Home Insurance?

Holiday home insurance (also referred to as second home insurance) can cover an additional property that isn’t used as a full-time or main residence. Like standard home insurance, it’s a policy that can include buildings and contents cover. This is an important consideration regardless of whether your property is based in the UK or overseas.

Policy details can vary depending on your property type and how you plan to use the property. Holiday let insurance, for example, contains clauses specific to a property that is let on short-term rentals and long-term rentals.

Likewise, property insurance requirements for log cabins may differ to those for an old brick cottage, for instance, due to structural and locational differences.

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Our Partners

Intasure works with an established partner to provide flexible insurance options.

Which Countries Are Covered By Holiday Home Insurance?

You shouldn’t feel restricted when buying a second home. This is a chance for you to secure your dream holiday home, after all! That’s why we’ve extended our holiday home insurance to cover more than 20 countries and territories across the EU and beyond, covering many popular British tourist destinations. What’s more, our customer service is handled by a UK-based, English-speaking support team, to help you find the information you need.

Our holiday home insurance abroad covers many common British tourist destinations, such as France and Spain. Looking to go somewhere further afield? We also offer policies for more exotic locations, such as Turkey. Here’s our complete list of destinations:

View a list of countries we cover

Austria Bulgaria Cape Verde Croatia Cyprus Egypt France Germany Greece Hungary Italy Malta Netherlands Poland Portugal Republic of Ireland Spain Turkey Scotland

What Our Customers Say About Us

Excellent

Based on 148 reviews

What Does Holiday Home Insurance Cover?

Intasure holiday home insurance policies can cover loss, theft or damage to your property’s building and contents. Our policies can also include public liability cover, to help financially with claims relating to compensation or injury.

Policies are broken down into buildings and contents cover, and both can protect a different aspect of your property.

Buildings insurance offers protection for any permanent structure within the grounds of your holiday home, covering:

Damage to buildings

due to natural disasters such as floods or storms
Physical loss or damage

caused by smoke, riot, malicious damage, fire, explosion, hail, and avalanche
Escape of water or oil

from household fixtures
Public liability cover

of up to £5 million

Contents insurance protects your household goods, fittings, and personal property, including:

Loss or damage to contents

due to fire, flood or storm
Theft or malicious damage

caused to contents
Accidental damage

to household fittings, including glass tops and ceramic hobs

Why Choose Intasure For Your Holiday Home?

Our service is built on simplifying how you take out cover, aiming to eliminate complications where possible. Whether your holiday home is in the UK or abroad, you’ll always deal with English-speaking representatives. Intasure will support you from day one through to renewal, making any necessary modifications along the way and handling claims.

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Benefits of using Intasure for your holiday home insurance:

Building insurance up to £1 million
Public liability cover up to £5 million included as standard
Property cover whether occupied or unoccupied
We’re a specialist holiday let insurer
Understanding of local rules and regulations.
Experienced English speaking customer service staff
Flexible policies tailored to customers through optional extras

Holiday Home Insurance FAQ

Please note that these frequently asked questions are not a substitute for the policy wording. For full terms and conditions please see the policy documentation.

How much does holiday home insurance cost?
The cost of holiday home insurance varies depending on several factors, including:
- The location of your property – for example, if it’s in a place where flooding is likely, you would expect to pay higher premiums
- The size of your property – typically, you’d expect to pay higher premiums for a large mansion or villa and lower premiums for a small apartment
- The value of your contents – more valuable items can attract a higher premium
How much cover do I need for my holiday home?

When reviewing home buildings insurance packages, you should ensure that the total cost of repairing partial damage or rebuilding your holiday home is covered. This should include the structure of the building and any permanent fixtures and fittings, including bathrooms. Also, be sure to check that external buildings are covered, such as swimming pools, summer houses, and sheds.

Holiday home contents insurance typically covers the cost of your household furniture and other belongings if they’re stored in your holiday home or any outbuildings. Please be advised that contents left in vehicles tend to be excluded. A good rule of thumb: “contents” are any personal property removed from a second home when sold.
Holiday home insurance vs home insurance – what’s the difference?

While it might be tempting to use standard home insurance to try and protect your second property, it may not be designed to cover the risks associated with owning a second home. These are generally two completely different policies, and as such, you may want to consider cover that’s bespoke to holiday home insurance. That way, if something unexpected does happen, you can have assurance that the things that matter most to you can be covered following an insured claim.
Do I need public liability insurance for a holiday let?

While public liability insurance for a holiday let isn’t a legal requirement, it’s typically added to cover as it could protect you from legal costs arising from guests who experience injury, disease, illness, or death during their stay in the event of an insured claim.

The word “liability” is important here; if you are considered negligent, you could be liable to pay your guests’ costs. For example, your guest might experience an electric shock as a result of poor wiring. Or perhaps even fall due to a poorly maintained floor. In any case, public liability protection from Intasure acts as a safeguard, helping to cover costs arising from injuries.
Do I legally need holiday home insurance?

While holiday home insurance isn’t a legal requirement in the UK, some mortgage lenders may require you to take out a policy that includes buildings insurance.

In addition, while contents cover isn’t mandatory, you may want to carefully consider including it in your policy. Having suitable cover in place can help protect your possessions in the event of damage or theft. The inconvenience alone of not having an adequate level of cover can make it worth adding that extra level of protection, so that you can enjoy your downtime in peace.
Can I leave my holiday home unoccupied?

Our standard cover is available for holiday homes left unoccupied for up to 60 days. After 60 days, cover will be restricted. It’s important to let us know if your property is unoccupied, to help ensure you have suitable cover in place.
Is holiday home insurance more expensive than home insurance?

In most cases, yes. Holiday home insurance tends to be more expensive than standard home cover, because the risks are higher. Holiday homes are often left unoccupied for long periods of time, which increases the risk of theft and damage. Further to that, holiday homes are usually used as rental properties with various different tenants staying at any one time. This adds risks such as public liability claims, accidental damage, and added contents cover, which could increase the cost of insurance premiums.
What’s the difference between a holiday home and a second home?

The biggest difference between a holiday let and a second home is the amount of time spent there. Second homes are technically another residence which you plan to occupy for certain times during the year. You may still let it out occasionally, but you spend much of the year there too. A holiday home is typically used for shorter breaks, and generally occupied by tenants rather than yourself.
Do I need special insurance for a holiday let?

Holiday home insurance isn’t mandatory. That said, most mortgage providers ask you to get buildings insurance at a minimum. However, this is usually basic cover, and only provides protection against damage to the structure of your buy-to-let. This could leave you vulnerable to financial costs if something else goes wrong, whether that’s theft, damage to your furniture, or even public liability claims. So, purchasing a specialist holiday home insurance policy could prove worthwhile to protect your investment and your financial security.

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Policy Documents

View our policy documents to discover the cover Intasure can provide.

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What Our Specialists Say

“Owning a holiday home in a beautiful destination and escaping whether it’s for a long weekend in France or jetting off to Bulgaria for your usual summer holiday can have its pros and cons. Holiday homes can be a big decision to make, that’s why we’ve outlined what we believe are a few areas to consider.”